The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$79,181
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,644
−HK$2,502/mo
Today · 4.125%
HK$84,146
baseline
▲ 0.50% · 4.625%
HK$89,266
+HK$5,120/mo
Deposit HK$17.36M · loan HK$17.36M · min. income ≈ HK$168,292/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,475,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,088
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,450
−HK$2,397/mo
Today · 4.125%
HK$92,847
baseline
▲ 0.50% · 4.625%
HK$97,741
+HK$4,894/mo
Deposit HK$17.36M · loan HK$17.36M · min. income ≈ HK$185,694/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,475,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,017
−HK$5,958/mo
▼ 0.25% · 3.875%
HK$97,972
−HK$3,003/mo
Today · 4.125%
HK$100,975
baseline
▲ 0.50% · 4.625%
HK$107,119
+HK$6,144/mo
Deposit HK$13.89M · loan HK$20.83M · min. income ≈ HK$201,950/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,475,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,705
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$108,540
−HK$2,876/mo
Today · 4.125%
HK$111,416
baseline
▲ 0.50% · 4.625%
HK$117,289
+HK$5,873/mo
Deposit HK$13.89M · loan HK$20.83M · min. income ≈ HK$222,832/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,475,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,853
−HK$6,951/mo
▼ 0.25% · 3.875%
HK$114,301
−HK$3,503/mo
Today · 4.125%
HK$117,804
baseline
▲ 0.50% · 4.625%
HK$124,972
+HK$7,168/mo
Deposit HK$10.42M · loan HK$24.31M · min. income ≈ HK$235,608/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,323
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$126,630
−HK$3,355/mo
Today · 4.125%
HK$129,985
baseline
▲ 0.50% · 4.625%
HK$136,837
+HK$6,852/mo
Deposit HK$10.42M · loan HK$24.31M · min. income ≈ HK$259,970/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,525
−HK$8,938/mo
▼ 0.25% · 3.875%
HK$146,958
−HK$4,505/mo
Today · 4.125%
HK$151,463
baseline
▲ 0.50% · 4.625%
HK$160,679
+HK$9,216/mo
Deposit HK$3.47M · loan HK$31.25M · min. income ≈ HK$302,926/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,558
−HK$8,566/mo
▼ 0.25% · 3.875%
HK$162,810
−HK$4,314/mo
Today · 4.125%
HK$167,124
baseline
▲ 0.50% · 4.625%
HK$175,933
+HK$8,809/mo
Deposit HK$3.47M · loan HK$31.25M · min. income ≈ HK$334,248/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,788 · Scale 2, in force from 26 Feb 2026)